“Insurance owed us $400K in outstanding claims. Basecamp Funding funded us $250K to cover payroll and supplies while we waited. No personal guarantee. We didn't miss a single payroll.”
★★★★★ — Dr. Sarah M. . Family Medicine . 4-Physician Practice . Phoenix, AZ
See What You Qualify For
Find Out What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners Including
Multiple lenders compete for your business — you pick the best offer
Healthcare Practice Loans & Medical Equipment Financing — $10K to $10M+
Basecamp Funding connects doctors, dentists, chiropractors, veterinarians, and medical providers with over 70 lending partners specializing in healthcare practice loans. Whether you need equipment financing for imaging systems and diagnostic tools, working capital to bridge insurance reimbursement delays, a business line of credit for payroll and supplies, or an SBA loan for practice acquisition — we match you with the best rates and terms available.
Solo practitioners, small practices, and multi-provider groups across medical, dental, chiropractic, optometry, physical therapy, veterinary, mental health, urgent care, home health, and pharmacy trust Basecamp Funding for fast, flexible capital. From a $25K EHR upgrade to a $3M practice acquisition — one 60-second application, no hard credit pull, no minimum credit score.
Most healthcare loan approvals happen within hours. Same-day funding is available on select products. Stop waiting on banks that don't understand reimbursement cycles and practice valuations — let 70+ lenders compete for your business.
Sound Familiar?
Why Healthcare Practices Come to Us Instead of Their Bank
Your dental practice needs a $95K CBCT scanner to offer implant services. The manufacturer wants payment in 30 days. Your bank wants 90 days to process.
You just opened a second location. Build-out costs ran $40K over budget and you're 3 weeks from opening. You need bridge capital now, not a renegotiated construction loan.
Insurance reimbursements are running 45-75 days. You've got $280K in outstanding claims but your staff payroll is $52K every two weeks.
A competing practice is retiring and selling. The asking price is $1.2M with 3,000 patients. Your bank's SBA department says 60-90 days. The seller has another buyer.
You're a chiropractor 14 months into your practice. Revenue is $22K/month and growing but banks want 2 years of tax returns.
Your EHR system is end-of-life. The upgrade is $65K including hardware, software, training, and 3 months of parallel running. This isn't optional — it's compliance.
If any of this sounds familiar, you're exactly who we built this for.
Get Your Options →“We were losing a practice acquisition because our bank was dragging. Basecamp got us SBA approval in 3 weeks. We closed on time.”
★★★★★ — Dr. Michael R., Family Medicine, Colorado
Why Us
Why Healthcare Practices Choose Us Over Banks
We built our process around the way healthcare practices actually operate — not the way banks wish you did.
We Understand Reimbursement Delays
Banks see 45-90 day payment gaps and flag risk. Our lenders know insurance reimbursement is guaranteed revenue on a delay and approve through the cycle.
Claim Denials Don't Scare Us
A 12% denial rate doesn't mean lost revenue — it means delayed revenue. Our lenders understand appeal timelines and factor rework into their underwriting.
We Fund Equipment Without Quotes
Equipment lenders require invoices and appraisals before funding. We provide working capital you can use for any device, any vendor, with no purchase restrictions.
Student Debt Won't Block Your Practice
Most physicians carry $200K+ in student loans. Banks count this against DTI. Our lenders evaluate practice deposits and cash flow, not personal student debt.
We Fund Through Payer Mix Changes
Shifting from commercial to Medicare patients changes reimbursement rates. Our lenders evaluate your total deposit history, not just your payer composition.
New Specialties Don't Require a Business Plan
Adding a service line or hiring a specialist means upfront investment. Banks want projections. Our lenders fund growth based on your existing practice strength.
The average medical practice waits 45 days for insurance reimbursement
— MGMA Annual Report
Claim denial rates have increased 23% since 2020, now exceeding 12% across all payers
— Change Healthcare Revenue Cycle Index
78% of physician practices report that rising costs outpace reimbursement growth
— Medical Group Management Association
Free Tool
What Can Your Healthcare Practice Business Qualify For?
Enter your monthly revenue, time in business, and industry to see your estimated approval range and recommended products. No credit pull.
Avoid These
5 Funding Mistakes That Cost Healthcare Practices the Most
"Using personal credit cards for equipment"
$40K at 22% APR = $8,800/year. Equipment financing at 8% uses equipment as collateral = $3,200/year. Plus it's Section 179 deductible.
"Waiting too long on practice acquisitions"
Good practices sell fast. If you can't present a pre-qualification letter within 2 weeks, the seller moves on.
"Not understanding insurance reimbursement financing"
You don't have to wait 60 days. Medical receivables financing lets you access 80-90% of outstanding claims within 24-48 hours.
"Overpaying through manufacturer financing"
Equipment rep's in-house financing is 3-5% higher than competitive rates. On a $200K imaging system over 5 years, that's $25K-$50K extra.
"Ignoring Section 179 timing"
Equipment purchased and placed in service before year-end can be fully deducted. A $150K laser system bought in December saves $40K-$55K in taxes that year.
“Needed a $95K CBCT scanner before year-end for Section 179. Funded in 4 days. Tax savings covered the first year of payments.”
★★★★★ — Dr. Lisa K., Dentist, California
How We Compare
How We Compare
Not all funding sources are created equal. Here's how we stack up against your other options.
Funding by Practice Size
How We Fund Healthcare Practices at Every Stage
Solo Practitioner / 1-2 Providers
Common Needs
Working capital, equipment financing
24-48 hours
Dr. Sarah Chen, solo dentist in Portland — needed $42K for a digital scanner and CAD/CAM system. Bank wanted 3 years of tax returns. Approved in 24 hours with equipment as collateral, funded in 3 days.
Small Practice / 3-10 Staff
Common Needs
Line of credit, equipment financing, working capital, SBA loans
24-72 hours
Lakewood Family Medicine, 6-provider practice in Ohio — $180K line of credit for payroll bridging during insurance delays. Bank wanted to collateralize real estate. Funded unsecured in 5 days.
Mid-Size Practice / 10-50+ Staff
Common Needs
SBA loans, term loans, large equipment financing
1-3 weeks for complex financing
Valley Orthopedics, 28-person practice — $2.8M acquisition of competing sports medicine clinic. SBA 7(a) at 6.75% over 10 years. Bank quoted 45 days. We closed in 22 days.
Funding Built for Your Practice
Whether you're a solo practitioner or running a multi-location group, we match you with the right product and amount.
Growing Businesses
$10K – $500K
Revenue-based funding for working capital, equipment, and growth. Most businesses fund in 1–3 days.
See What You Qualify For →Established Businesses
$500K – $5M
Term loans, SBA loans, and large equipment financing for businesses with $500K+ monthly revenue.
See What You Qualify For →Commercial & Complex Financing
$5M – $10M+
Business acquisitions, commercial real estate, and structured financing. Dedicated commercial lending team.
Request a Financing Review →Pricing Transparency
What Healthcare Funding Actually Costs
Most lenders hide the real cost behind jargon. Here's what businesses actually pay.
Rates and terms vary by credit profile, revenue, and time in business. These are typical ranges for healthcare practices in our network.
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
A single funding specialist calls you with your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Use Your Capital For
How Healthcare Practices Use Basecamp Funding
Equipment & Diagnostics
Imaging machines, lab equipment, exam room tech, diagnostic tools. Finance without depleting reserves.
EHR & Technology
Electronic health records, telehealth platforms, patient portals, cybersecurity. Stay compliant and efficient.
Office Buildout & Renovation
New exam rooms, waiting area upgrades, ADA compliance, second location buildout.
Payroll & Operations Bridge
Keep staff paid between reimbursement cycles. Bridge the 30-90 day insurance payment gap.
Marketing & Patient Acquisition
SEO, Google Ads, community outreach, referral programs. Fill your schedule with the right patients.
Practice Acquisition
Buy an existing practice. Merge with a complementary group. Acquire a retiring physician's patient panel.
Regulatory Compliance
HIPAA upgrades, OSHA requirements, accreditation costs, licensing in new states.
Debt Consolidation
Refinance high-cost MCAs, credit cards, or equipment loans into one manageable payment.
Second Location
Open a satellite office, urgent care, or specialty clinic. Expand your geographic reach and patient base.
“They understood that insurance reimbursement delays aren't a sign of a failing practice — they're just how healthcare works.”
★★★★★ — Karen D., Practice Manager, Texas
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
🚫 These Can Be Deal-Breakers
Before You Apply
What to Have Ready
Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.
✓3 months of bank statements
Practice operating account (not patient trust)
✓Business checking account
Dedicated practice operating account
✓Medical license or practice EIN
Proof your practice is registered and in good standing
✓Government-issued ID
Driver's license or passport
✓Outstanding debt details
Existing loans, equipment leases, credit lines
✓Approximate monthly revenue
Doesn't need to be exact — ballpark is fine
The Next Reimbursement Delay Shouldn't Threaten Your Practice
Medicare cut physician reimbursement again this year. Claim denial rates hit 12% and rising. A pre-approved credit line costs nothing until you draw it — but it's there when insurance is slow, equipment breaks, or opportunity knocks. See what you qualify for while your numbers are strong.
No credit impact · No obligation · 60 seconds
See What You Qualify For
See What You Qualify For. No Credit Impact. No Obligation.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Recommended Products
Recommended Loan Products for Healthcare Practices
The most popular funding types for healthcare practices businesses. Each links to a detailed product page.
Equipment Financing
Finance imaging machines, lab equipment, and diagnostic tools for your practice.
View Product Details →SBA Loans
Acquire an existing practice or fund a major expansion with favorable SBA terms.
View Product Details →Working Capital Loans
Bridge the 45-90 day insurance reimbursement gap and keep operations running.
View Product Details →Business Line of Credit
Draw funds for supplies, staffing, and overhead as reimbursements fluctuate.
View Product Details →Financing by Specialty
Every practice type. Click yours for tailored options.
Need commercial insurance for your healthcare practices business?
Our partner Direct Insurance Services covers healthcare practices businesses across 29 states.
FAQs
Healthcare Practice Funding FAQs
Dr. Sarah K.
Dentist | Phoenix, AZ
“Bought an existing dental practice for $650K. My student loans scared every bank away. Basecamp matched me with a lender who understood healthcare — funded in 3 weeks.”
Your Patients Shouldn't Suffer Because Insurance Is Slow
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide